Bireylerin Kripto Para Kullanmaya Yönelik Niyetlerinin Teknoloji Kabul Modeli İle İncelenmesi ve Çoklu Grup Analizi

Yıl 2024, Sayı: 102, 79 - 108, 04.04.2024

Sebahat İlgaz , Erkan Özdemir

https://doi.org/10.25095/mufad.1416542

Öz

Birçok ülkede yasal altyapısı tam olarak oluşmamasına karşın, kripto paraların kullanımı gün geçtikçe artmaktadır. Bu noktada bireylerin kripto paralara yönelik tutumunu ve kullanma niyetini etkileyen faktörlerin öğrenilmesi önemlidir. Bu çalışmanın amacı, teknoloji kabul modelindeki algılanan kullanım kolaylığı ve algılanan fayda boyutlarının bireylerin kripto para kullanmaya yönelik tutum ve niyeti üzerindeki etkisini belirlemektir. Bu modele kripto paralarla ilgili olarak birçok paydaş tarafından belirtilen riskleri ifade etmek için diğer bir öncül olarak algılanan risk boyutu da eklenmiştir. Çalışmada ayrıca önerilen araştırma modelinin cinsiyet ve yaş değişkenlerine göre farklılık gösterip göstermediğini ortaya konması amaçlanmıştır. Analiz için gerekli veriler, kripto para kullanma deneyimi yaşamış bireylerden anket veri toplama aracıyla toplanmıştır. Elde edilen veriler, Smart PLS yapısal eşitlik modellemesi analiziyle değerlendirilmiştir. Analizler sonucunda algılanan kullanım kolaylığı ve algılanan faydanın kripto para kullanımına ilişkin tutum üzerinde anlamlı ve pozitif bir etkiye sahip olduğu bulunmuştur. Algılanan riskin tutum üzerinde anlamlı bir etkisi ise bulunmamıştır. Çoklu grup analiz sonuçları, kripto para kullanmaya yönelik tutumun niyet üzerindeki etkisinin yaşa göre farklılaştığını ancak cinsiyete göre önerilen hipotezlerde anlamlı bir farklılık bulunmadığını göstermektedir. Araştırma sonuçları, bireylerin kripto para kullanımına yönelik tutum ve niyetine etki eden faktörleri ortaya koyması açısından, merkezi finans kurumları, kripto para yatırımcıları, kripto para hizmet sağlayıcıları ve yasal otoriteler için önemli bir bakış açısı sağlamaktadır.

Anahtar Kelimeler

Kripto Para, Blok Zincir, Teknoloji Kabul Modeli, Tutum

Etik Beyan

Bu çalışma Prof. Dr. Erkan Özdemir danışmanlığında yürütülmekte olan “Bireylerin Kripto Para Kullanımına Yönelik Tutum ve Niyetini Etkileyen Faktörler ve Düzenleyici Değişkenlerin Rolü Üzerine Bir Araştırma” konulu doktora tezinden türetilmiştir.

Destekleyen Kurum

Bu çalışma, Bursa Uludağ Üniversitesi SHIZ-2023-1504 kodlu BAP Hızlı Destek Projesi kapsamında desteklenmiştir. Destekleri için BAP Birimine teşekkür ederiz.

Proje Numarası

SHIZ-2023-1504

Teşekkür

Bu çalışma, Bursa Uludağ Üniversitesi SHIZ-2023-1504 kodlu BAP Hızlı Destek Projesi kapsamında desteklenmiştir. Destekleri için BAP Birimine teşekkür ederiz.

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